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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $5,844 | $101,778-94.3% | $164,975-96.5% | $80,925-92.8% |
| Participation rate | 6.8% | 71.8%-65.0pp | 78.6%-71.8pp | 67.7%-60.8pp |
| Annual return | 18.51% | 16.73%+1.8pp | 70.12%-51.6pp | 35.65%-17.1pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,343-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $404 | $4,477-91.0% | $6,033-93.3% | $4,299-90.6% |
| Admin fee / account holder | $1,332 | $8,221-83.8% | $12,688-89.5% | $6,940-80.8% |